Macon County property record for 550 Chestnut Dr, Franklin, NC 28734
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,687 sqft · built 1977 |
| Lot Size | 7 acres (304,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Oct 1996) |
| Tax Bill | $908 (2026) |
| Deeds & Mortgages | May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7524198864 |
| Primary APN | 7524198864 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,687 sqft Heated Area |
| 1st Floor Area | 1,125 sqft |
| Upper Floors Area | 562 sqft |
| Basement Area | 1,125 sqft |
| Finished Basement | 1,125 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 304,920 sqft (7 acres) |
| Terrain | Rolling |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Asphalt Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Pool with Hot Tub/Spa |
| Deck Area | 36 sqft |
| Patio Area | 100 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Account Number | 66991 |
|---|---|
| Street Address | 550 CHESTNUT DR |
| City | FRANKLIN |
| State | NC |
| Zip | 28734-3832 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | OFF RD 1001 |
| Jurisdiction | MACON NC |
| Township / Civil Division | ELLIJAY |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 970400 |
550 Chestnut Dr is owned by an individual who bought it in October 1996.
Source: Macon County records, as of October 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 316, OTTO, NC 28763-0316 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 29, 1996 · Amount on File |
| Deed Sale | Oct 29, 1996 · Amount on File |
| Deed Book / Page | 21 / 1174 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 550 CHESTNUT DR, FRANKLIN, NC 28734-3832 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | E39/0797 |
|---|---|
| Date | May 3, 2019 |
| Book Page | E-39/0797 |
| Instrument | 2019002662 |
| Name | ENTEGRA BANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, NC 28734 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Jun 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 5.5% |
| Max Rate At Change | 7.5% |
| Index | 1-Year LIBOR |
| Max Rate | 9.5% |
The 2026 property tax bill for 550 Chestnut Dr was $908.
Source: Macon County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Macon County |
| Unified School District | Macon County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $908.00 | $247,950 Land $89,870 Building $158,080 | $247,950 Land $89,870 Building $158,080 |
| 2025 | $908.00 | ||
| 2023 | $896.00 | $241,950 Land $89,870 Building $152,080 | $241,950 Land $89,870 Building $152,080 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 550 Chestnut Dr in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective November 8, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 19 policies |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 16 (1979–2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 550 Chestnut Dr is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · above 70% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Starlink Satellite | 280 / 30 |
No cell data coverage reported
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